BlastPoint's Credit Union Scorecard

WELD COMMUNITY

Charter #63122 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

WELD COMMUNITY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.58% above tier average
+ Share Certificate Concentration (%): Top 5.3% in tier
+ Total Delinquency Rate (60+ days): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.06% below tier average
- Efficiency ratio 5.66% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits -4.0% year over year ($96.6M in shares and deposits).
Membership: 7,224 members, -0.5% vs a year ago.
Delinquency rate 0.16%.
Return on assets 0.80%.
Efficiency ratio 82.40% vs a 76.73% peer average.
Loan-to-share ratio 59.66% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	7,224 -0.5% YoY+1.0% QoQ	-7.9K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	Bottom 13.0% in tier
Assets	$109.6M -2.9% YoY-1.2% QoQ	$-122.5M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	Bottom 6.6% in tier
Loans	$57.6M -10.3% YoY-2.1% QoQ	$-88.6M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	Bottom 9.4% in tier
Deposits	$96.6M -4.0% YoY-1.6% QoQ	$-104.1M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	Bottom 8.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% -27.4% YoY-10.9% QoQ	-0.1%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	53%
NIM	4.3% +1.1% YoY+1.6% QoQ	+0.6%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	83%
Efficiency Ratio	82.4% +6.1% YoY+5.0% QoQ	+5.7%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	67%
Delinquency Rate	0.2% +71.9% YoY	-0.7	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	Top 8.2% in tier
Loan To Share	59.7% -6.5% YoY-0.6% QoQ	-11.9%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	25%
AMR	$21,355 -6.0% YoY-2.7% QoQ	$-4K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	39%
CD Concentration	5.8% -26.0% YoY+3.2% QoQ	-18.7%	24.6%	27.0%	20.0%	50%
Indirect Auto %	15.1% -16.2% YoY-6.9% QoQ	+1.5%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline

#42 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.01%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline

#47 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.04%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): -0.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Efficiency Drag

risk

#305 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.40%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Credit Quality Pressure

risk

#554 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.07% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Margin Compression

decline

#125 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

ROA (Prior Year): 1.10%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.30% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#472 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.92%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.11%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.48%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.82%

Peer Median: 23.39%

#55 of 1024 Top 5.3% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: 0.71%

#85 of 1024 Top 8.2% in 100M-500M tier

138

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.34%

#138 of 1024 Top 13.4% in 100M-500M tier

177

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: 3.67%

#177 of 1024 Top 17.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1002

Loan Growth Rate

growth

Value: -10.26%

Peer Median: 3.02%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

989

AMR Growth Rate

growth

Value: -6.01%

Peer Median: 3.53%

#989 of 1024 Bottom 3.5% in 100M-500M tier

976

Deposit Growth Rate

growth

Value: -4.04%

Peer Median: 3.58%

#976 of 1024 Bottom 4.8% in 100M-500M tier

964

Asset Growth Rate

growth

Value: -2.92%

Peer Median: 4.12%

#964 of 1024 Bottom 6.0% in 100M-500M tier

956

Total Assets

balance_sheet

Value: $109.55M

Peer Median: $196.38M

#956 of 1024 Bottom 6.7% in 100M-500M tier

939

Total Deposits

balance_sheet

Value: $96.62M

Peer Median: $170.77M

#939 of 1024 Bottom 8.4% in 100M-500M tier

928

Total Loans

balance_sheet

Value: $57.64M

Peer Median: $124.04M

#928 of 1024 Bottom 9.5% in 100M-500M tier

891

Total Members

engagement

Value: 7,224

Peer Median: 13,128

#891 of 1024 Bottom 13.1% in 100M-500M tier

820

Fee Income Per Member

profitability

Value: $108.51

Peer Median: $159.88

#820 of 1024 Bottom 20.0% in 100M-500M tier